Gary, or anyone that trades mutual funds, I know you make most of your money with funds, so I was hoping you could offer us a few tips. 1. Do you use a broker, or do you maintain accounts at several of the big fund houses like Rydex, Fido, etc? Some brokers/funds have hefty redemption fees, especially if you don't hold the fund for a certain length of time. What would you consider excessive? 2. I know you like to find funds in "tight, rising channels" and scale into them. Do you use a scanner, or do you find these with just lots of chart review work? 3. Looks like the fund reform bill won't pass, but if it does, do you see this as hurting your trading to a significant degree? Thanks for any help.